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			<h3><span class="largey">Welcome to the  New Mexico Homeowners Premium Comparison Guide</span></h3>
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				<p>Please select the risk characteristics for each category presented in the links shown in the left sidebar under Selections. These risk characteristics are the most common factors used to rate a Homeowners Insurance policy.	
				Select the "best" risk characteristic that most closely matches your situation. The characteristic may not match your situation exactly, but they provide a way to compare premiums.</p><p><img width="50" height="50" src="images/zia11.jpg" class="right" /></p>
				<p>Once you have completed the selections, move on to the next section to review your selections, submit your selections or return back to this start page. You can change, review and submit your selections in any order and at any time as you see fit.</p>
				<p>After your selections are submitted, the result will be a listing of "average" premiums by insurance company by insurance company group. These insurance companies represent the largest writers of homeowners insurance in New Mexico.</p>
				<p>You can sort the results by premium and by group. Premium amounts shown as "NA" represent a company that will not write this risk based on your selections. You can sort by group to see if another company within the group will write this particular risk. Clicking on a company name in the result list will provide you with the following additional information for each company:</p>		
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				<li>Contact Information</li>
				<li>Complaint Ratios by Year</li>		
				<li>A.M. Best Rating</li>		
				<li>Market Share</li>
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				<p>To learn more about Homeowners Insurance and information that can help lower the cost on buying Homeowners Insurance, please review the publications listed under the "Consumer Guides" Section on the left. For further consumer resources, please visit the <span class="alt"><a href="http://www.naic.org/index_consumer.htm">NAIC Consumer Resources</a></span> website.</p> 
				<p>To compare premiums offered in New Mexico for other types of insurance, see the following Premium Comparison Guides available to consumers:</p>
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				<p>To return to the main insurance web page, please visit the <span class="alt"><a href="http://www.nmprc.state.nm.us/id.htm">PRC Division of Insurance</a></span> website. To return to the PRC website, please click on the PRC logo in the top right hand corner.</p>		
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